Form 5500 · Employee benefit plan · AVONDALE, PA
TO-JO MUSHROOMS, INC.
The filing calls this plan TO-JO MUSHROOMS, INC. WELFARE BENEFIT PLAN.
TO-JO MUSHROOMS, INC. of AVONDALE, PA is a 213-participant agriculture employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is AP BENEFIT ADVISORS LLC. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2542450 · plan 501 · plan year 2025, filed May 11, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Health: AMERICAN HERITAGE LIFE INSURANCE COMPANY covers 15 of 213 participants (7%) on Schedule A.
Life: AMERICAN HERITAGE LIFE INSURANCE COMPANY covers 15 of 213 participants (7%) on Schedule A.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering health, dental, vision and life; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 203 people.
The filing declares health, dental, vision, life and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $85,807, with $7,022 in disclosed broker commissions — about 8.2% of premium.
The most recent policy period ended in November, and the plan year ends November 30. Group contracts typically renew on that annual cycle.
AP BENEFIT ADVISORS LLC is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 203 | Dec 1, 2025 | $50,872 | $5,114 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Health, Life | 15 | Dec 1, 2025 | $27,868 | $1,908 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 138 | Dec 1, 2025 | $7,067 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 231 employees, 5 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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